Premier Cover

Our Premier Policy provides a ‘wider perils’ solution and is designed for renovators who are carrying out small to medium sized projects.

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Our Premier Insurance policy covers the existing buildings and contract works for all of the same perils as the Standard Policy but extends to also cover the following:

Storm, Flood, Escape of Water, Impact Damage, Malicious Intent, Riot & Civil Commotion, and Theft/attempted theft.

As with all of our policies, it includes £2,000,000 Public Liability cover as standard. 


Optional extra covers available with this policy:
  • Contents 
  • Own Construction Machinery
  • Portable Hand & Power Tools 
  • Hired in plant 
  • Caravans Site/Huts
  • Employer's Liability *

* Private individuals only. T&Cs apply


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Premier Policy

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Below is a summary of the perils covered under the Premier policy in terms of the building (including the existing structure and contract works). We have also detailed those perils excluded under the policy for your information. For full details of the cover provided including Conditions, Warranties, and Exclusions please refer to the Premier Policy Wording

Perils covered

  • Fire
  • Lightning
  • Explosions
  • Earthquake
  • Aircraft
  • Storm
  • Flood
  • Escape of Water
  • Impact
  • Malicious Intent
  • Riot and Civil Commotion
  • Theft and Attempted Theft
Perils not covered
  • Accidental Damage
  • Subsidence

Not the level of cover you need?

Perhaps our Standard or Premier Plus policy will better suit your project.

Find out more

Our Standard Policy is for renovators who require cover for restricted perils. 

Find out more
Premier Plus

Our Premier Plus Policy provides 'All Risks' insurance cover for larger more complex renovation projects.